HAFA Short Sale Guidelines Home Affordable Foreclosure Alternatives (HAFA) Short Sale Update: HAFA Supplemental Directive 12-02, effective June 1, 2012, impacts short sales with loans from non-government-sponsored enterprises in which the homeowner is eligible for the HAFA program. Key enhancements include: Time frame extended: The program has been extended to Dec. 31, 2013. The HAFA […]